LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,118
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,926
−HK$1,837/mo
Today · 4.125%
HK$61,763
baseline
▲ 0.50% · 4.625%
HK$65,521
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,526/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,656
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,390
−HK$1,759/mo
Today · 4.125%
HK$68,149
baseline
▲ 0.50% · 4.625%
HK$71,741
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,298/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,742
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,911
−HK$2,204/mo
Today · 4.125%
HK$74,115
baseline
▲ 0.50% · 4.625%
HK$78,625
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,230/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,587
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,668
−HK$2,111/mo
Today · 4.125%
HK$81,779
baseline
▲ 0.50% · 4.625%
HK$86,090
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,558/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,366
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,897
−HK$2,571/mo
Today · 4.125%
HK$86,468
baseline
▲ 0.50% · 4.625%
HK$91,729
+HK$5,261/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,936/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,518
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,946
−HK$2,463/mo
Today · 4.125%
HK$95,409
baseline
▲ 0.50% · 4.625%
HK$100,438
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,818/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,613
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,867
−HK$3,306/mo
Today · 4.125%
HK$111,173
baseline
▲ 0.50% · 4.625%
HK$117,938
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,346/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,381
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,502
−HK$3,167/mo
Today · 4.125%
HK$122,669
baseline
▲ 0.50% · 4.625%
HK$129,135
+HK$6,466/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,338/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,224 · Scale 2, in force from 26 Feb 2026)